ROE & ROI Residential Calculator
CPD FrameworkHead-to-head cash flow ledger, tax deductibility, amortized loan repricing & exit ROI
Presets:
P1
$
$1,500,000
$
$72,000 / year
%
Annual Rent ÷ Price
Bank Mortgage & Financing Breakdown
Standard 2% Benchmark
%
% p.a.
Years
75% Loan Principal
$1,125,000
Deposit: $375,000
Yearly Interest (IRAS)
$22,500 / yr
Tax-Deductible
Monthly Installment (P+I)
$4,158 / mo
Cash Out-of-Pocket
$
$4,800 / yr
Auto BSD
$44,600
IRAS Progressive
$
Conveyancing
Total Equity
$422,600
Deposit + Tax + Legal
P2
$
$1,500,000
$
$48,000 / year
%
Annual Rent ÷ Price
Bank Mortgage & Financing Breakdown
Standard 2% Benchmark
%
% p.a.
Years
75% Loan Principal
$1,125,000
Deposit: $375,000
Yearly Interest (IRAS)
$22,500 / yr
Tax-Deductible
Monthly Installment (P+I)
$4,158 / mo
Cash Out-of-Pocket
$
$6,000 / yr
Auto BSD
$44,600
IRAS Progressive
$
Conveyancing
Total Equity
$422,600
Deposit + Tax + Legal
Property 1
Property A (4.8%)
Total Equity Invested: $422,600
Return on Equity (ROE)
8.61%
$36,390 ÷ $422,600
Monthly Cash Flow Status:
+$749.50 / mo (Positive Surplus)
Property 2
Property B (3.2%)
Total Equity Invested: $422,600
Return on Equity (ROE)
3.59%
$15,160 ÷ $422,600
Monthly Cash Flow Status:
-$1,019.67 / mo (Negative Top-Up)
Property 1 Detailed Ledger
Equity: $422,600
Property A (4.8% Gross Yield)
| No. Less Expenses | Per Year | Per Month |
|---|---|---|
| Gross Rental Income | $72,000 | $6,000 |
| 1. Property Tax (IRAS Non-Owner) | -$5,040 | -$420 |
| 2. Maintenance Fees | -$4,800 | -$400 |
| 3. Agent Fees (½ mo + 9% GST) | -$3,270 | -$272.50 |
| 4. Mortgage Interest (2% on Loan) IRAS Tax Deductible (Not cash out-of-pocket) | -$22,500 | NA |
| 5. Monthly Installment (Principal + Interest) Bank amortized installment out-of-pocket | NA | -$4,158 |
| Total Expenses | -$35,610 | -$5,250.50 |
| Net Rental Returns / Net Cash Flow | $36,390 | +$749.50 |
| RETURN ON EQUITY (ROE) | 8.61% ($36,390 ÷ $422,600) | |
Property 2 Detailed Ledger
Equity: $422,600
Property B (3.2% Gross Yield)
| No. Less Expenses | Per Year | Per Month |
|---|---|---|
| Gross Rental Income | $48,000 | $4,000 |
| 1. Property Tax (IRAS Non-Owner) | -$3,360 | -$280 |
| 2. Maintenance Fees | -$6,000 | -$500 |
| 3. Agent Fees (½ mo + 9% GST) | -$2,180 | -$181.67 |
| 4. Mortgage Interest (2% on Loan) IRAS Tax Deductible (Not cash out-of-pocket) | -$22,500 | NA |
| 5. Monthly Installment (Principal + Interest) Bank amortized installment out-of-pocket | NA | -$4,158 |
| Total Expenses | -$32,840 | -$5,019.67 |
| Net Rental Returns / Net Cash Flow | $15,160 | -$1,019.67 |
| RETURN ON EQUITY (ROE) | 3.59% ($15,160 ÷ $422,600) | |